1. Micro-loan adopts "white list" invitation system. Only users who meet the requirements of the micro-loan system will receive the official invitation, and the entrance of micro-loan will appear, and users themselves cannot apply for opening.
Second, the microfinance opening process:
1. Log in to WeChat first, and click the "I"-"Payment" option in the lower right corner of the WeChat page;
2. Find the "micro-loan loan" entrance on the payment page, and click Enter;
3. Check "Agree with Weizhong Bank to inquire about China People's Bank's credit record authorization agreement and loan-related agreement" on the micro-loan page to open micro-loan.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
Application version: 8.0. 16
After the micro-loan is launched, the system will grant users a certain credit line according to their personal qualifications. When the user needs funds, click the "Borrow" option on the micro-loan page, enter the loan amount within the credit line, select the number of installments, and follow the prompts on the page in turn. After the loan is successful, the loan amount will be directly distributed to the bound bank card account.
Extended data:
1. There are three ways to repay small loans:
1. Automatic repayment: You only need to ensure that your repayment bank card (that is, the collection bank card you chose when borrowing) has enough funds to repay the principal and interest due in the current period one day before the agreed repayment date, and the bank will automatically deduct the money in the early morning of the repayment date. If you have registered for WeChat coin purse repayment, if the deduction fails, you will also make a deduction through WeChat change.
2. Advance payment:
You can log on to WeChat, open "I" → → → Micro-loan Loan, enter the personal center and click "Pay off the loan in advance" or "Borrow all" according to the page prompts. Or repay through Weizhong Bank APP: you can log in to Weizhong Bank APP- Micro-loan-prepayment.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
Application version: 8.0. 16
3. Repay the current period manually: If you don't deduct money on the repayment date, you can click the repayment failure notice to repay the current period's arrears manually, or enter "Automatic Repayment Failure" according to the prompt on the page and use your bank card to repay the current period's arrears manually.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
Application version: 8.0. 16
Tips: If you have successfully opened the micro card of Weizhong Bank, after ensuring that the micro card has sufficient funds, the automatic repayment of micro loans will be deducted from the micro card first; If you can't repay the loan or want to pay off the loan in advance, you can also choose to use the micro card to repay the loan.